Does BetterHelp Take Insurance? What You Need To Know

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Looking for a therapist?

In the ever-evolving landscape of mental health care, it’s crucial to stay informed about the resources available to you. BetterHelp is a popular online therapy platform, but does BetterHelp take insurance?

What alternatives are there if it doesn’t? This comprehensive guide will answer these questions, empowering you with the knowledge to make informed decisions about your mental health journey.

Short Summary

  • BetterHelp is an online therapy platform providing mental health services to individuals with mild to moderate mental issues.

  • BetterHelp does accept insurance, but clients can still seek reimbursement from their insurance provider and explore alternative options such as sliding scale fees or reduced fee therapists, local support groups, community mental health centers, and other online platforms covered by insurance.

  • Maximizing your mental health benefits through employee assistance programs (EAPs) and assessing coverage will help you receive the care you need at a cost that fits your budget.

Overview Of BetterHelp

Explore emotional well-being with BetterHelp – your partner in affordable online therapy. With 30,000+ licensed therapists and plans starting from only $65 per week, BetterHelp makes self-care accessible to all. Complete the questionnaire to match with the right therapist.

Note: We collaborate with top-tier mental health companies and receive advertising fees from purchases through the BetterHelp links.

BetterHelp is an online therapy platform offering a wide range of mental health services, making it easier for individuals to access professional help without traditional in-person therapy.

By providing counseling, medication management, and other mental health resources through text, audio, and video, BetterHelp aims to revolutionize the way people receive mental health care.

The platform’s matching process ensures that the therapist-client relationship is built on trust and compatibility by considering the client’s preferences, such as gender, sexuality, race, or spirituality.

The benefits of engaging with BetterHelp are numerous. You can learn healthy ways to create positive changes in your thoughts, feelings, behaviors, and relationships, and you’ll also gain access to resources and insights that can enhance your life in various ways.

With over 30,000 licensed therapists, BetterHelp is committed to providing high-quality, flexible communication methods in a discreet environment, ensuring clients receive the support they need.

Who is BetterHelp for?

BetterHelp is designed for individuals experiencing mild to moderate mental health issues, including depression, anxiety, stress, relationship issues, trauma, grief, and self-esteem problems.

However, it is essential to note that the platform may not be suitable for those with severe symptoms or needing urgent care. In such cases, seeking alternative mental health services may be necessary.

The highly experienced, licensed mental health professionals at BetterHelp are licensed and accredited psychologists (PhD/PsyD), licensed marriage and family therapists (LMFT), licensed clinical social workers
(LCSW/LMSW), or licensed professional therapists (LPC). This ensures clients receive the highest care and guidance tailored to their needs.

BetterHelp Pros and Cons

Licensed therapists with diverse specializations, including depression and anxiety.Some users report occasional difficulties with therapist matching.
Multiple communication options (text, chat, phone, video).Don’t work with any insurance providers.
Offers financial aid to those who qualify.Response times from therapists may vary.

BetterHelp Costs

BetterHelp offers a range of costs for their services. This ranges from $65 to $90 weekly, with regular billing occurring every four weeks.

It’s also worth noting that BetterHelp may provide financial aid for low-income people, making therapy more accessible to a broader range of individuals.

While cost is a crucial factor in choosing an online therapy platform, it’s essential to consider the value that BetterHelp provides. With direct access to a therapist through one weekly live session and messaging option between the sessions BetterHelp’s services can offer substantial support and guidance for those seeking mental health care.

Does BetterHelp Take Insurance?

Although BetterHelp does not accept insurance, some insurance providers may be willing to reimburse clients for therapy services. This means that while you may need to pay the fees upfront, you could be reimbursed by your insurance company later on.

You must contact your insurance provider and inquire about their BetterHelp services coverage to ensure you clearly understand your benefits.

The fact that BetterHelp does not accept insurance might seem like a drawback, but exploring alternative options for affordable therapy can help offset these concerns.

For instance, sliding scale fees, reduced fee therapists, local support groups, community mental health centers, and other online therapy platforms can provide cost-effective solutions.

Reasons for Limited Insurance Coverage

There are several reasons why insurance companies might not cover BetterHelp services. One of the main factors is the lack of in-person visits, which some insurance providers may consider essential for mental health treatment.

Additionally, insurance companies often have restricted provider networks, meaning they may only cover therapy services from specific, in-network therapists.

Lastly, high deductibles can also limit insurance coverage, as clients may need to cover a significant portion of their mental health expenses before the insurance company starts to contribute.

Understanding these limitations can help you make informed decisions about your mental health care.

By researching your insurance provider’s policies and exploring alternative options for affordable therapy, you can find a solution that works best for you financially and emotionally.

Steps To Verify Insurance Coverage

To verify insurance coverage for therapy or mental health services, you can follow these general steps:

  1. Review your insurance policy: Familiarize yourself with the details of your insurance policy, including the coverage for mental health services. Check if your policy includes therapy, counseling, or related services coverage.
  2. Contact your insurance provider: Reach out to your insurance provider’s customer service department by phone or online. Ask specific questions about your mental health coverage, including therapy services, copayments, deductibles, and any limitations or requirements.
  3. Inquire about in-network providers: Ask your insurance provider for a list of in-network mental health professionals or therapy practices. In-network providers have agreements with your insurance company, which often results in lower out-of-pocket costs.
  4. Contact therapy providers: Once you have the list of in-network providers, contact them individually to inquire about their acceptance of your insurance plan. Confirm that they accept new patients and that their services align with your needs.
  5. Verify coverage details: When speaking with therapy providers, provide them with your insurance information, such as your policy number and group ID. Ask them to verify your coverage and explain the details, including copayments, coinsurance, or session limits.
  6. Understand any pre-authorization requirements: Some insurance plans may require pre-authorization or pre-approval for therapy services. Confirm with your insurance provider or the therapy practice if this is necessary and what steps you need to take.
  7. Keep track of communication and documentation: Maintain a record of all communication with your insurance and therapy providers. Keep track of any authorizations, approvals, or essential details your insurance company provides.

It’s important to note that verifying insurance coverage may vary depending on your specific insurance provider and policy. It’s advisable to consult with your insurance company directly for the most accurate and up-to-date information regarding your coverage for therapy or mental health services.

Out-of-Pocket Costs

Out-of-pocket costs refer to expenses you must pay alone, even if you have a health insurance plan covering mental health services.

Understanding your deductible, the amount you must pay before the insurance company covers the cost is crucial in determining your out-of-pocket expenses.

By being proactive and gathering this information, you can make the best decision for your mental health care needs.

Insurance Reimbursement Possibilities

Some insurance companies may offer reimbursement for therapy costs, depending on their policies and your selected mental health coverage. This means that while you may need to pay the initial fee of therapy, you could be reimbursed by your insurance plan later on.

Obtaining insurance reimbursement for therapy costs involves paying the initial fee and then submitting a claim to your insurance company for a refund.

It’s essential to keep in mind that insurance reimbursement policies can vary significantly between providers.

To ensure you are fully informed about your options, contact your insurance provider and discuss their policies regarding therapy costs and reimbursement.

Alternative Options for Affordable Therapy

If BetterHelp’s services do not fit your financial situation, alternative options are available for affordable therapy.

These include sliding scale fees or reduced fee therapists, local support groups, community mental health centers, and other online therapy platforms. Each option has its unique advantages and can provide accessible mental health care depending on your individual needs and circumstances.

By taking the time to research and evaluate each option, you can find the best solution for your mental health care needs without breaking the bank!

Sliding Scale Fees or Reduced Fee Therapists

Sliding scale fees or reduced fee therapists are mental health professionals who provide services at a lower cost to make therapy more accessible to those who may not have the financial means to pay the full fee.

The fees are based on your financial situation, and the therapist may offer a range of prices based on your income level. This approach ensures you receive the care and support you need without being burdened by unmanageable costs.

To find sliding scale providers, search online, contact local mental health organizations, or ask for referrals from primary care physicians or friends who have experienced therapy.

Local Support Groups

Local support groups are gatherings of individuals with shared experiences who provide each other with support, encouragement, and comfort. These groups offer a platform for individuals to share their experiences, feelings, coping strategies, and information about diseases or treatments.

The advantages of local support groups include emotional support, reduced feelings of isolation, and a safe environment to discuss challenging topics.

To find support groups, search online, contact local mental health organizations, or ask for referrals from primary care physicians or friends who have experienced therapy.

Remember that support groups may provide a different level of professional expertise than a licensed therapist, but they can still offer valuable emotional and practical guidance.

Community Mental Health Centers

Community mental health centers are community-based facilities that provide comprehensive mental health services, including outpatient care, specialized outpatient services, crisis support, and coordinated behavioral health care.

These centers offer various services, such as individual and group therapy, medication management, case management, family counseling, crisis intervention, substance abuse treatment, and other specialized services.

Access to community mental health centers is available to anyone needing mental health services, regardless of their financial capacity.

By providing a range of mental health care options, these centers help ensure that quality behavioral health care is accessible to all individuals, regardless of their financial situation.

Online Therapy Platforms

In addition to BetterHelp, other online therapy platforms can offer accessible and affordable mental health care options.

Platforms such as Talkspace, MDLive, and Amwell connect clients with licensed therapists and psychiatrists through digital means, providing convenience and flexibility in the therapy experience.

Online therapy platforms can be significantly more cost-effective than in-person therapy, making them an attractive option for individuals with high co-payments, initial expenses, or barriers to traditional treatment. By exploring these alternative platforms, you can find the best fit for your mental health needs and budget.

Other Online Therapy Platforms Covered by Insurance

While BetterHelp may not accept insurance, other online therapy platforms offer coverage. Talkspace recognizes various insurance providers such as Premera, Cigna, Optum, Gatorcare, and Aetna.

Other insurers are also accepted. Platforms like MDLive and Amwell also provide mental health services covered by insurance, ensuring you have various options for mental health care that suit your financial situation.

To determine which online therapy options are covered under your plan, it is vital to research each platform and contact your insurance provider. This will help you make the best decision for your mental health care needs while maximizing your insurance benefits.

Tips for Maximizing Mental Health Benefits

Maximizing your mental health benefits ensures you receive the best care possible while minimizing out-of-pocket costs. Some strategies to optimize your mental health benefits include:

  • Utilizing employee assistance programs (EAPs).

  • Assessing your insurance plan for mental health coverage.

  • Locating in-network providers.

Proactively exploring these options can maximize your insurance coverage and ensure access to the mental health care you need. Taking charge of your mental health benefits can significantly impact your well-being and overall quality of life.

Utilizing Employee Assistance Programs (EAPs)

Employee Assistance Programs (EAPs) offer valuable support to employees. They provide access to therapy and counseling services at low or no cost.

These voluntary, work-based programs provide free and confidential assessments, short-term counseling, referrals, and other support services for employees dealing with stress, anxiety, depression, and other mental health issues.

By taking advantage of EAPs, employees can access mental health services at their fingertips without worrying about the financial burden. EAPs can be an excellent starting point for those seeking mental health care, providing a valuable resource for employees who may not have access to affordable therapy options otherwise.

Assessing your insurance plan for mental health coverage

Health Insurance

When assessing your insurance plan for mental health coverage, follow these steps to understand your benefits comprehensively:

  • First, review your insurance policy documents to identify the sections that pertain to mental health services. Look for terms like “behavioral health,” “mental health,” or “psychiatric services.” 
  • Next, examine the coverage details, including copayments, deductibles, and coinsurance percentages specific to mental health visits or therapy sessions. Take note of session limits, such as the number of covered visits per year. Check for any pre-authorization requirements or restrictions on specific therapy or treatments. 
  • Additionally, verify if your plan covers both in-network and out-of-network providers, as using in-network providers typically results in lower out-of-pocket costs. Understand any limitations on the types of mental health professionals covered, such as psychiatrists, psychologists, or licensed therapists. 
  • Finally, contact your insurance provider’s customer service for further clarification and to address any specific questions or concerns you may have. 

By assessing your insurance plan thoroughly, you can make informed decisions about seeking mental health services while managing your financial obligations effectively.

Locating in-network providers

To locate in-network providers within your insurance plan, you can follow these steps:

  1. Review your insurance provider’s directory: Most insurance companies provide an online directory or search tool where you can find in-network providers. Visit your insurance provider’s website and look for a “Find a Provider” or “Search for a Doctor” tool. Enter your location and select the appropriate specialty or category, such as mental health or behavioral health.
  2. Use the insurance company’s mobile app: If your insurance provider has a mobile app, it may include a provider search feature. Download the app and use the search functionality to find in-network mental health providers near you.
  3. Contact the insurance provider directly: If you need help finding in-network providers online, call the customer service number on the back of your insurance card. Speak to a representative and request a list of in-network mental health professionals or ask for assistance finding providers near you.
  4. Utilize online provider directories: Independent websites offer searchable directories of healthcare providers, including mental health professionals. Some popular directories include Psychology Today, Zocdoc, and Healthgrades. When using these directories, filter your search results to include only in-network providers for your specific insurance plan.
  5. Seek referrals and recommendations: Ask your primary care physician, friends, family, or trusted individuals in your community for recommendations on mental health providers who accept your insurance. They can provide firsthand experiences or refer you to providers they have had positive experiences with.

Remember to verify the provider’s network status with your insurance company, as participation in insurance networks can change over time. Additionally, it’s important to check if a specific provider is accepting new patients and to review their credentials, specialties, and patient reviews to ensure they fit your needs well.


In conclusion, BetterHelp does not accept insurance, but that should not deter you from seeking the mental health care you need.

By exploring alternative options for affordable therapy, such as sliding scale fees, reduced-fee therapists, local support groups, community mental health centers, and other online therapy platforms, you can find the best solution for your mental health needs without breaking the bank.

Remember, your mental health is a priority, and the proper support is waiting for you to take the first step.


Is BetterHelp more expensive than therapy?

Overall, it appears that BetterHelp is more affordable than traditional therapy services. Their standard rates range from $65 to $90 per week, which is usually more budget-friendly than in-person therapy sessions that can cost anywhere from $100 to $200+ out of pocket.

Financial aid is also available for those needing additional assistance.

Does BetterHelp take Medicare or Medicaid?

No, BetterHelp does not accept Medicare and Medicaid.

Additional Resources

Prioritizing our mental well-being is paramount in today’s fast-paced world. The digital age has redefined therapy and psychiatric care, making support more accessible than ever. To guide you towards a healthier state of mind, we’ve partnered with pioneering names in mental health.
Note: We collaborate with top-tier mental health companies and we earn a commission if you purchase services through our ads.

Online Therapy

Discover a path to emotional well-being with BetterHelp – your partner in convenient and affordable online therapy. With a vast network of 30,000+ licensed therapists, they’re committed to helping you find the one to support your needs. Take advantage of their Free Online Assessment, and connect with a therapist who truly understands you. Begin your journey today.

Relationship Counceling

Whether you’re facing communication challenges, trust issues, or simply seeking to strengthen your connection, ReGain’s experienced therapists are here to guide you and your partner toward a healthier, happier connection from the comfort of your own space. Get started.

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About the author

Ruth Holla, MPH
Ruth Holla is a dedicated Malawian Public Health Specialist with extensive experience in nursing, research, and public health. Her career revolves around improving well-being, particularly through mental health advocacy.

As a Nursing Officer, Ruth provides compassionate patient care, implementing evidence-based practices and emphasizing a holistic approach.

As a Research Registered Nurse, she conducts groundbreaking studies on mental health and social determinants, addressing community stigma. As a Public Health Specialist, she coordinates HIV and mental health programs, targeting vulnerable populations and forging partnerships to reduce disparities.

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